LOEWS CORP(NYSE:L) stock Fundamental Analysis

Fundamental Rating

Overall L gets a fundamental rating of 3 out of 10. We evaluated L against 143 industry peers in the Insurance industry. While L is still in line with the averages on profitability rating, there are concerns on its financial health. L does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

In the past year L was profitable.

In the past year L had a positive cash flow from operations.

Of the past 5 years L 4 years were profitable.

Each year in the past 5 years L had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.73%, L is in line with its industry, outperforming 46.85% of the companies in the same industry.

L has a Return On Equity (8.29%) which is in line with its industry peers.

L has a Return On Invested Capital (2.20%) which is comparable to the rest of the industry.

The Average Return On Invested Capital over the past 3 years for L is below the industry average of 4.47%.

The 3 year average ROIC (2.05%) for L is below the current ROIC(2.20%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	1.73%
ROE	8.29%
ROIC	2.2%

ROA(3y)1.54%

ROA(5y)1.08%

ROE(3y)7.72%

ROE(5y)5.34%

ROIC(3y)2.05%

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 8.06%, L perfoms like the industry average, outperforming 53.85% of the companies in the same industry.

In the last couple of years the Profit Margin of L has grown nicely.

Looking at the Operating Margin, with a value of 13.10%, L is in the better half of the industry, outperforming 60.14% of the companies in the same industry.

In the last couple of years the Operating Margin of L has grown nicely.

		Industry Rank	Sector Rank
OM	13.1%
PM (TTM)	8.06%
GM	N/A

OM growth 3Y-9.37%

OM growth 5Y2.26%

PM growth 3Y-8.83%

PM growth 5Y5.3%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), L is destroying value.

The number of shares outstanding for L has been reduced compared to 1 year ago.

L has less shares outstanding than it did 5 years ago.

The debt/assets ratio for L has been reduced compared to a year ago.

2.2 Solvency

L has a debt to FCF ratio of 3.74. This is a good value and a sign of high solvency as L would need 3.74 years to pay back of all of its debts.

L has a worse Debt to FCF ratio (3.74) than 61.54% of its industry peers.

L has a Debt/Equity ratio of 0.52. This is a neutral value indicating L is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.52, L is doing worse than 68.53% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	3.74
Altman-Z	N/A

ROIC/WACC0.31

WACC7.18%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.59% over the past year.

The Earnings Per Share has been growing by 13.42% on average over the past years. This is quite good.

L shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.58%.

Measured over the past years, L shows a small growth in Revenue. The Revenue has been growing by 3.23% on average per year.

EPS 1Y (TTM)1.59%

EPS 3Y2.22%

EPS 5Y13.42%

EPS Q2Q%-56.78%

Revenue 1Y (TTM)10.58%

Revenue growth 3Y6.11%

Revenue growth 5Y3.23%

Sales Q2Q%6.76%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.32, L is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as L.

When comparing the Price/Earnings ratio of L to the average of the S&P500 Index (28.79), we can say L is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.32
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as L.

Based on the Price/Free Cash Flow ratio, L is valued a bit cheaper than 60.14% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.5
EV/EBITDA	9.21

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.99

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

L has a yearly dividend return of 0.29%, which is pretty low.

Compared to an average industry Dividend Yield of 3.22, L is paying slightly less dividend.

With a Dividend Yield of 0.29, L pays less dividend than the S&P500 average, which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	0.29%

5.2 History

The dividend of L decreases each year by -0.02%.

L has been paying a dividend for at least 10 years, so it has a reliable track record.

L has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-0.02%

Div Incr Years0

Div Non Decr Years10

5.3 Sustainability

L pays out 3.89% of its income as dividend. This is a sustainable payout ratio.

DP3.89%

EPS Next 2YN/A

EPS Next 3YN/A

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LOEWS CORP

NYSE:L (4/25/2025, 8:19:47 PM)

After market: 85.27 0 (0%)

85.27

-0.97 (-1.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-10 2025-02-10/bmo

Earnings (Next)05-05 2025-05-05

Inst Owners60.2%

Inst Owner Change0.36%

Ins Owners15.04%

Ins Owner Change0.58%

Market Cap17.94B

Analysts42.86

Price TargetN/A

Short Float %0.98%

Short Ratio1.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	0.29%

Yearly Dividend0.25

Dividend Growth(5Y)-0.02%

DP3.89%

Div Incr Years0

Div Non Decr Years10

Ex-Date02-26 2025-02-26 (0.0625)

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	13.32
Fwd PE	N/A
P/S	1.02
P/FCF	7.5
P/OCF	5.93
P/B	1.05
P/tB	1.07
EV/EBITDA	9.21

EPS(TTM)6.4

EY7.51%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)11.38

FCFY13.34%

OCF(TTM)14.38

OCFY16.87%

SpS83.45

BVpS81.14

TBVpS79.49

PEG (NY)N/A

PEG (5Y)0.99

Profitability

		Industry Rank	Sector Rank
ROA	1.73%
ROE	8.29%
ROCE	2.81%
ROIC	2.2%
ROICexc	2.22%
ROICexgc	2.35%
OM	13.1%
PM (TTM)	8.06%
GM	N/A
FCFM	13.63%

ROA(3y)1.54%

ROA(5y)1.08%

ROE(3y)7.72%

ROE(5y)5.34%

ROIC(3y)2.05%

ROIC(5y)N/A

ROICexc(3y)2.06%

ROICexc(5y)N/A

ROICexgc(3y)2.18%

ROICexgc(5y)N/A

ROCE(3y)2.61%

ROCE(5y)N/A

ROICexcg growth 3Y-3.69%

ROICexcg growth 5Y5.84%

ROICexc growth 3Y-4.01%

ROICexc growth 5Y5.6%

OM growth 3Y-9.37%

OM growth 5Y2.26%

PM growth 3Y-8.83%

PM growth 5Y5.3%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.21

Health

		Industry Rank	Sector Rank
Debt/Equity	0.52
Debt/FCF	3.74
Debt/EBITDA	3.1
Cap/Depr	108.41%
Cap/Sales	3.6%
Interest Coverage	5.45
Cash Conversion	104.96%
Profit Quality	169.24%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC7.18%

ROIC/WACC0.31

Cap/Depr(3y)121.86%

Cap/Depr(5y)111.18%

Cap/Sales(3y)4.2%

Cap/Sales(5y)4.29%

Profit Quality(3y)238.91%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)1.59%

EPS 3Y2.22%

EPS 5Y13.42%

EPS Q2Q%-56.78%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.58%

Revenue growth 3Y6.11%

Revenue growth 5Y3.23%

Sales Q2Q%6.76%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y1.01%

EBIT growth 3Y-3.83%

EBIT growth 5Y5.56%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-25.71%

FCF growth 3Y3.78%

FCF growth 5Y27.87%

OCF growth 1Y-22.57%

OCF growth 3Y4.87%

OCF growth 5Y11.68%

LOEWS CORP (L) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens